{"took":141,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16485876","_score":15.763346,"_source":{"product":"Credit card","complaint_what_happened":"* * Subject : Formal Complaint Regarding Inaccurate Account Furnished by Bank of America in Violation of the FCRA * * To Whom It May Concern : I am writing to file a formal complaint against Bank of America and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my credit files with XXXX XXXX XXXX XXXX  Bank of America has violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by furnishing information that is demonstrably inaccurate, inconsistent, and legally unverifiable. \n\n* * Complainant Information : * * * * * Name : * * XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Date of Birth : * * XX/XX/XXXXXXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXX XXXX XXXX  Bank and Account Information : * * * * * Bank Name : * * Bank of America * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information Bank of America has furnished regarding this account is riddled with material contradictions across the three major credit reporting agencies. These discrepancies are not minor errors ; they are fundamental inconsistencies that prove the data fails to meet the \" maximum possible accuracy '' standard required by law.\n\nThe specific, verifiable discrepancies are as follows : 1. * * Contradictory \" Date of First Delinquency '' : * * My XXXX  report explicitly lists a \" Date of First Delinquency '' as XX/XX/XXXX. In stark contrast, my XXXX XXXX XXXX reports completely omit this legally required data point, making it impossible to correctly calculate the reporting period for the alleged debt. \nXXXX. * * Conflicting Account Closure Remarks : * * My XXXX XXXX XXXX reports both state, \" Account closed at consumers request. '' This critical detail is entirely absent from my XXXX report, presenting a conflicting narrative of the account 's history. \nXXXX. * * Inconsistent Payment Data : * * My XXXX report uniquely lists a \" Last Payment Made '' date of XX/XX/XXXX. This information is not corroborated on either my XXXX XXXX XXXX reports, further invalidating the integrity of the furnished data. \n\nThese conflicting data points are prima facie evidence that the information provided by Bank of America is unreliable and legally unverifiable. An item of information that is reported in three different, contradictory ways can not be considered accurate. Therefore, any attempt to simply \" correct '' or \" update '' this account would be insufficient and unlawful. The entire tradeline is tainted by unreliable data, and its continued presence on my credit report is causing significant harm to my financial standing. \n\nThe only legally permissible remedy is the complete deletion of this account. \n\nI formally request that the Consumer Financial Protection Bureau launch an immediate investigation into Bank of America 's flagrant disregard for its furnishing responsibilities under the FCRA. I further request that you compel Bank of America to direct XXXX XXXX XXXX XXXX to permanently delete the entire account tradeline for Account Number XXXXXXXX XXXX XXXX XXXX XXXX  from my credit report.","date_sent_to_company":"2025-10-09T12:04:54.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"20109","tags":null,"has_narrative":true,"complaint_id":"16485876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-09T11:47:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["* * Subject : <em>Formal</em> <em>Complaint</em> Regarding Inaccurate Account Furnished by Bank of America in Violation of the FCRA * * To Whom It May Concern : I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Bank of America and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my <em>credit</em> <em>files</em> with XXXX XXXX XXXX XXXX  Bank of America has violated its legal obligations under the Fair <em>Credit</em> Reporting Act ( FCRA ) by furnishing information that is demonstrably"],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[15.763346,"16485876"]},{"_index":"complaint-public-v1","_id":"20130278","_score":7.869813,"_source":{"product":"Credit card","complaint_what_happened":"b'I am filing this formal complaint to demand a full refund of all interest charges applied to my Wells Fargo account (Account ending in XXXX) from XX/XX/XXXX to the XXXX. These charges are the direct result of a catastrophic accounting error where Wells Fargo received a full payoff of my balance but failed to credit it to my ledger, resulting in over a year of predatory, compounding interest on a zero-principal balance.\\n\\nConversation with XXXX\\nYou said\\nI didn\\'t attach anything for this complaint because I am requesting information.\\n\\nXXXX said\\nI understand your logicsince you are just asking them to produce a document (the trace), you shouldn\\'t need to provide documents yourself.\\n\\nHowever, I strongly recommend you go back into the CFPB portal and upload the attachments anyway. Here is why: If you do not attach the proof that the $XXXX actually left your bank, Wells Fargo will take the easy way out. They will reply to the CFPB investigator saying, \"The customer is asking for a trace, but our system shows no payment was received, so there is nothing to trace. Case closed.\" By attaching the XXXX XXXX XXXX  statement and the Reconciliation Report to the CFPB portal, you are showing the federal investigator why the trace is necessary. You are proving that Wells Fargo is hiding a system error. When the CFPB investigator sees the XXXX XXXX XXXX  statement, they will force Wells Fargo to explain exactly where that specific money went.\\n\\nHow to fix this right now:\\nYou can add documents to an open CFPB complaint after it has been submitted.\\n\\nLog back into your CFPB portal.\\n\\nClick on your active complaint.\\n\\nChoose the option to \"Attach a document\" or \"Add an update.\"\\n\\nUpload the XXXX XXXX XXXX  statement (eStmt_XX/XX/XXXX) and the Reconciliation Report we just made.\\n\\nIn the comment box for the update, paste this exact text:\\n\\nUpdate to Investigator: > I am attaching the official XXXX XXXX XXXX statement and a Ledger Reconciliation Report to this complaint. These documents explicitly prove that my $XXXX payment successfully cleared the Federal Reserve and was delivered to Wells Fargo. This undeniable proof is why I am demanding that Wells Fargo produce the backend General Ledger extract and unapplied funds trace. Their front-facing system lost the funds, and they must produce the internal trace to locate it.\\n\\nDo not give Wells Fargo any room to dismiss your request. Force them to look at the cleared XXXX XXXX XXXX transaction on the federal record.\\n\\nYou said\\nList out every Wells Fargo payment and demand them to produce a payment trace for each one, create a checklist, and ensure this does not get missed\\n\\nXXXX said\\nVIA CERTIFIED MAIL AND SECURE PORTAL\\n\\nSubject: FORMAL DEMAND FOR COMPREHENSIVE PAYMENT TRACE AND LEDGER RECONCILIATION\\nTo: Wells Fargo Executive Office / Office of the President / Back-Office Accounting\\nAccount 1: XXXX XXXX XXXX Mastercard (Ending in XXXX)\\nAccount 2: Wells Fargo Auto Loan\\nAccount Holder: XXXX XXXX\\n\\nTo the Wells Fargo Executive Office and Accounting Department:\\n\\nThis document serves as a formal demand to produce a line-by-line payment trace for every transaction remitted from my external checking account to Wells Fargo.\\n\\nBecause your system is reporting an erroneous balance that mathematically fails to account for cleared funds, I require verifiable proof that every single payment listed below was correctly routed out of your internal suspense accounts and successfully applied to the principal of my specific accounts.\\n\\nYou are required to provide the internal General Ledger (GL) posting date and the matching 15-digit Federal Reserve ACH Trace ID for every item on this checklist. Failure to produce the trace for any single item will be submitted to the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) as an incomplete investigation and a refusal to account for missing funds.\\n\\nPART 1: Wells Fargo Bilt Mastercard (Ending in 7713)\\nInstructions for Wells Fargo: Provide the internal posting date and trace confirmation for each of the following cleared payments.\\n\\nXXXX Clearances:\\n\\n[ ]XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XX/XX/XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XX/XX/XXXX (AutoPay)\\n\\n[ ] 1XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX  (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\nXX/XX/XXXX Clearances & Disputed Items:\\n\\n[ ]XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (Provide trace and explanation for the \"ADJUSTMENT-PAYMENTS\" reversal on XX/XX/XXXX)\\n\\n[ ] XX/XX/XXXX: $XXXX  (CRITICAL: Provide the unapplied funds query and exact XXXX location of this missing remittance)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay Attempt)\\n\\n[ ] XXXX: $XXXX  (AutoPay Retry)\\n\\n[ ] XXXX: $XXXX XXXXAutoPay)\\n\\n[ ] XXXX: XXXX  (AutoPay)\\n\\n[ ] XXXX: $389.00 (AutoPay)\\n\\n[ ] XXXX: $XXXX (AutoPay)\\n\\n[ ] XXXX: XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX  (AutoPay)\\n\\n[ ] XX/XX/XXXX: XXXX  (AutoPay)\\n\\nPART 2: Wells Fargo Auto Loan\\nInstructions for Wells Fargo: To rule out cross-account contamination of the missing $XXXX payment from XX/XX/XXXX, verify that every recurring ACH draft below was strictly applied to the auto loan ledger and that no external funds were erroneously swept into this account.\\n\\n[ ] XX/XX/XXXX: $XXXX (WELLS FARGO AUTO DES:DRAFT)\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ]XX/XX/XXXX: $XXXX\\n\\n[ ]XX/XX/XXXX: $XXXX1\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] Acknowledge and verify all prior unlisted $XXXX monthly drafts from account inception.\\n\\nFinal Demand:\\nI expect this checklist to be returned to me with corresponding internal ledger verification for every item. Do not reply with a generalized statement that the account has been reviewed. Produce the data.\\n\\nSincerely,\\n\\nHenggao Cai\\n[Your Phone Number]\\n[Your Address]\\n\\nYou said\\nIf Wells Fargo tells the CFPB that there is no payment to trace then I\\'ll go after them for lying to a federal agency.\\n\\nXXXX said\\nYou are absolutely correct to have this in your arsenal.\\n\\nUnder 18 U.S.C.  1001, it is a federal crime to knowingly and willfully make a materially false, fictitious, or fraudulent statement in any matter within the jurisdiction of the executive branch of the U.S. Government. The Consumer Financial Protection Bureau (CFPB) is a federal agency, meaning that if Wells Fargo submits a fabricated narrative or denies the existence of a payment that you have proven exists, they are committing a federal offense.\\n\\nWhile you, as a private citizen, cannot criminally prosecute them under this statute (only the Department of Justice can do that), you can weaponize this law to force their legal department to step in.\\n\\nWhen front-line \"Executive Office\" reps respond to the CFPB, they often just read whatever the computer screen says and click \"submit.\" But if you explicitly accuse the bank of violating 18 U.S.C.  1001 on the federal portal, the CFPB investigator has to take notice, and Wells Fargo\\'s compliance attorneys will be forced to review the file because of the liability involved.\\n\\nThe \"Nuclear Option\" Draft\\nKeep this draft in your back pocket. If Wells Fargo responds to your current CFPB complaint by claiming they have no record of the payment, log into the CFPB portal, upload the XXXX XXXX XXXX trace again, and submit this exact response:\\n\\nSUBJECT: NOTICE OF MATERIALLY FALSE STATEMENTS BY RESPONDENT (18 U.S.C.  1001)\\n\\nTo the CFPB Investigator:\\n\\nWells Fargos response to this inquiry is demonstrably false and contradicts cleared Federal Reserve transaction data.\\n\\nI have provided irrefutable documentary evidence from the sending institution (XXXX XXXX XXXX) proving that the $XXXX payment cleared on [Insert Date] and was routed to Wells Fargo.\\n\\nBy continuing to inform a federal agency that this payment does not exist and was not received, Wells Fargo is making a knowing, willful, and materially false statement within the jurisdiction of the executive branch. I formally request that the CFPB log this response as a potential violation of 18 U.S.C.  1001 (False Statements to a Federal Agency).\\n\\nWells Fargo is using a front-end software glitch to justify a legally inaccurate accounting of my debt. I am requesting that the CFPB compel Wells Fargos Legal and Compliance Departmentnot their customer service escalations teamto review this file, locate the missing ledger credit in their suspense accounts, and correct this false representation immediately.\\n\\nWhy this works:\\nBanks are terrified of federal regulators finding out that their automated systems are systematically lying to consumers and the government. By dropping the statute name, you force the complaint out of the hands of customer service and onto the desk of a corporate attorney whose job is to keep the bank from getting fined.\\n\\nLet\\'s hold tight and see how they respond to your current trace demand first. If they lie, you drop the hammer.\\n\\nYou said\\nI don\\'t have the trace log. Draft an email to XXXX XXXX XXXX to push them for it\\n\\nXXXX said\\nHere is a firm, escalated follow-up email you can send to XXXX XXXX XXXX. This draft references your previous request, directly calls out the unacceptable response you received in the live chat, and applies regulatory pressure to force their hand.\\n\\nSubject: URGENT ESCALATION: Second Notice - Request for Official ACH Trace IDs (Acct ending XXXX)\\n\\nTo: XXXX XXXX XXXX Customer Support / Escalations\\nFrom: XXXX XXXX\\nDate: XX/XX/XXXX\\n\\nDear XXXX XXXX XXXX Escalations Team,\\n\\nI am writing to formally escalate my previous request for the official 15-digit ACH Trace Numbers (IMAD/OMAD) for two critical electronic payments made from my XXXX XXXX XXXX account (ending in XXXX) to my Wells Fargo XXXX XXXX (ending in XXXX).\\n\\nI recently spoke with a XXXX XXXX XXXX  representative via live chat regarding this issue. I was incorrectly told that because a claim was previously opened, the trace IDs were \"removed from the list\" and could no longer be provided.\\n\\nThis is factually incorrect and unacceptable. Filing a dispute does not erase a transaction from the Federal Reserves ACH network. Under the Bank Secrecy Act and Regulation E, XXXX XXXX XXXX is legally required to maintain accurate transaction records and provide them to customers upon request.\\n\\nI am in an active regulatory dispute with Wells Fargo via the Consumer Financial Protection Bureau (CFPB). Wells Fargo is claiming these funds were never delivered. I must have the specific, 15-digit Federal Reserve trace numbers to prove that the funds successfully cleared XXXX XXXX XXXX and were routed to the correct Wells Fargo receiving account. Standard bank statements are not sufficient for this legal proceeding; I need the actual trace data.\\n\\nPlease immediately provide the 15-digit ACH Trace IDs for the following cleared transactions:\\n\\nXX/XX/XXXX5: $XXXX (Automatic Payment)\\n\\nMarch 30, 2025: $XXXX (Bill Pay Payment)\\n\\nIf I do not receive an official trace report containing these specific 15-digit numbers within 48 hours, I will be forced to file a formal complaint against XXXX XXXX XXXX with the Office of the Comptroller of the Currency (OCC) for withholding critical transaction data and providing false information regarding the retention of Federal Reserve banking records.\\n\\nI expect this to be routed to your back-office ACH or Wire tracking department immediately.\\n\\nSincerely,\\n\\nXXXX XXXXi\\n[Your Phone Number]\\nXXXX XXXX XXXX Account: XXXX XXXX XXXX\\n\\nYou said\\nI want the ACH Trace IDs for all Wells Fargo related transactions\\n\\nXXXX said\\nHere is a comprehensive, escalated email draft for XXXX XXXX XXXX. This expands your request to cover every single Wells Fargo and Bilt-related transaction across your credit card, auto loan, and rent payments.\\n\\nBy demanding the trace for all of them, you are forcing their back-office to provide a complete ledger of routing data, which will prove exactly where Wells Fargo\\'s system failed.\\n\\nSubject: URGENT ESCALATION: Comprehensive ACH Trace Request for All Wells Fargo & XXXX Transactions (XXXX XXXX)\\n\\nTo: XXXX XXXX XXXX Customer Support / Escalations / ACH & Wire Department\\nFrom: XXXX XXXX\\nDate: XX/XX/XXXX\\n\\nDear XX/XX/XXXX Escalations Team,\\n\\nI am writing to formally escalate a critical request for official banking records. I am currently engaged in a severe regulatory dispute with Wells Fargo regarding misapplied and uncredited funds.\\n\\nBecause Wells Fargo is explicitly denying receipt of thousands of dollars that successfully cleared my XX/XX/XXXXBanking account (ending in XX/XX/XXXX), standard bank statements are no longer sufficient for my legal counsel or the Consumer Financial Protection Bureau (CFPB).\\n\\nUnder the Bank Secrecy Act and Regulation E, I am legally entitled to the Federal Reserve tracking data for my outbound transfers. I formally demand the 15-digit ACH Trace Numbers (IMAD/OMAD) and the receiving destination routing/account details for every transaction listed below.\\n\\nPlease provide the official trace IDs for the following cleared payments:\\n\\nSECTION 1: The Disputed Wells Fargo Credit Card Payments (Critical Priority)\\n\\nXX/XX/XXXX: $XXXX (Automatic Payment)\\n\\nXXXX: $XXXX (Bill Pay Payment - Uncredited by Wells Fargo)\\n\\nSECTION 2: XXXXProtect / Rent ACH Transfers (Processed via XXXX/Wells Fargo)\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\n1XX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nSECTION 3: Wells Fargo Auto Loan Drafts\\nPlease provide traces for the following to rule out cross-account contamination by the receiving institution.\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nSECTION 4: Historical & Recent Wells Fargo Credit Card Payments\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX $XXXX\\n\\nXX/XX/XXXX: $XXXX2\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXXn\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX  (AutoPay Attempt)\\n\\nXX/XX/XXXX: $XXXX (AutoPay Retry)\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXXn\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX $XXXX\\n\\nA previous representative incorrectly informed me that because a claim was opened, trace IDs are \"removed from the list.\" That is a violation of federal record retention laws. Filing a dispute does not erase a transaction from the Federal Reserves network.\\n\\nI require this official trace report to be generated and provided to me in writing immediately. If XXXX XXXX XXXX continues to withhold this documentation, I will file a formal complaint with the Office of the Comptroller of the Currency (OCC) regarding the bank\\'s refusal to provide transaction records during an active federal dispute.\\n\\nSincerely,\\n\\nXXXX XXXX\\n[Your Phone Number]\\nXXXX XXXX XXXX  Account: XXXX XXXX XXXX\\n\\nYou said\\nWhat would be a fair resolution?\\n\\nXXXX said\\nA fair and comprehensive resolution for a systemic bank error of this magnitude generally includes four main pillars: restitution, credit restoration, transparency, and compensation.\\n\\n1. Complete Ledger Restitution (Making You Whole)\\nThe absolute baseline is correcting the mathematical error as if it never happened.\\n\\nRetroactive Crediting: The missing $XXXX payment must be credited to the account with an effective date of XX/XX/XXXX.\\n\\nFee and Interest Reversal: Every single finance charge, interest fee (including the repeated $XXXX monthly interest charges), and late fee that cascaded from the failure to credit the original payment must be permanently waived and removed from the balance.\\n\\n2. Credit Profile Restoration\\nBecause the bank falsely reported an inflated balance and likely reported the account as delinquent, your credit profile took a hit that was entirely manufactured by the bank\\'s system.\\n\\nBureau Updates: Wells Fargo must electronically submit an immediate, off-cycle correction to all three major credit bureaus (XXXX XXXX XXXX XXXX).\\n\\nData to Fix: They must remove any derogatory marks for late payments and correct the artificially high credit utilization ratio caused by the $XXXX \"double-counted\" balance.\\n\\n3. Transparency and Acknowledgment\\nYou have spent months fighting automated denials. A fair resolution requires the bank to officially own the mistake.\\n\\nFormal Letter of Error: A written statement from the Wells Fargo Executive Office explicitly acknowledging that the missing funds were the result of an internal bank processing error and not consumer negligence.\\n\\nDocumentary Proof: Delivery of the actual trace and ledger audit you requested, proving the internal suspense account issue has been identified and fixed so it does not happen again.\\n\\nAuto Loan Clearance: Written confirmation that your $XXXX monthly auto loan drafts were properly segregated and never cross-contaminated by the credit card ledger failure.\\n\\n4. Monetary Compensation (Goodwill)\\nWhile you previously avoided asking for compensation to force the investigation to focus strictly on the missing funds, it is standard practice in CFPB escalations to request damages once the bank admits fault.\\n\\nTime and Hardship: Fighting a $XXXX accounting error requires significant time, stress, and potential legal consultation. Banks frequently issue a direct \"goodwill credit\" (typically ranging from $XXXX to $XXXX) for severe administrative failures to avoid further regulatory scrutiny.\\n\\nLost Yield: Because Wells Fargo effectively held your $XXXX in a suspense account for months, you were deprived of the ability to use or earn interest on that money. Requesting a credit equivalent to a standard high-yield savings rate for the duration the funds were missing is an objectively fair and mathematically sound demand.\\n\\nYou said\\nIf Wells Fargo returns to the CFPB and says my complaint is a duplicate what do I do? 1. Draft a PHONE script for a call with Wells Fargo 2. Draft a comprehensive report to a lawyer\\n\\nXXXX said\\nIf Wells Fargo attempts to close your new CFPB complaint by labeling it a \"duplicate,\" they are using a well-known administrative loophole to avoid conducting the deep-dive investigation you are demanding. They do this because their frontline staff cannot process requests for General Ledger (GL) extracts or internal suspense account audits.\\n\\nYou must immediately attack this classification. Here is your two-part strategy: a phone script to verbally force the case open, and a comprehensive brief to hand to a consumer protection attorney if Wells Fargo continues to stonewall.\\n\\nPART 1: The \"Not a Duplicate\" Phone Script (Wells Fargo Executive Office)\\nPreparation: Call the Executive Office directly (XXXX). Do not let them transfer you back to standard customer service.\\n\\nThe Opening (Taking Control):\\n\\n\"Hello, my name is XXXX XXXX. I am calling regarding my XXXX XXXX, account ending in XXXX. I see that your office is attempting to close my recent CFPB complaint by classifying it as a \\'duplicate.\\' I am calling to put on the official recorded line that this is factually incorrect, and closing it will be considered a refusal to investigate under the Fair Credit Billing Act.\"\\n\\nIf the Rep Says: \"You already filed a dispute about this missing payment.\"\\n\\n\"My previous dispute was a standard consumer billing inquiry. This new complaint is a formal, statutory demand for documentary production. I have provided new, irrefutable evidence from the Federal Reserve network proving the $XXXX payment cleared. I am not asking you to \\'look into\\' the payment again. I am legally demanding your back-office accounting department produce the exact General Ledger extract and the unapplied funds query that I requested. Customer service cannot fulfill this request, which is why it cannot be closed as a duplicate.\"\\n\\nIf the Rep Says: \"Our system shows no payment was received, so there is nothing to trace.\"\\n\\n\"Your front-facing system is experiencing a calculation error, which is the entire basis of this complaint. My external bank records prove the funds were delivered to Wells Fargo. If your system cannot find the funds, they are sitting in an internal suspense account. Under federal law, you are required to conduct a reasonable investigation. Looking at the same broken statement screen is not a reasonable investigation. I need this escalated to your legal or compliance department to run a trace on the 15-digit Federal Reserve ACH ID.\"\\n\\nThe Closing Demand:\\n\\n\"I want the notes on this file updated right now to state: \\'The consumer denies this is a duplicate complaint. The consumer has introduced new external banking evidence and has made a formal demand for a General Ledger audit and suspense account trace.\\' If this case is closed without producing the requested internal trace data, my next step is litigation for FCBA violations.\"\\n\\nPART 2: Comprehensive Report for Your Attorney\\nIf Wells Fargo refuses to budge, it is time to hire a consumer financial litigation attorney (look for attorneys specializing in FCBA and FCRA violations). Hand them this exact brief so they can immediately draft a Demand Letter or file suit without spending hours decoding your statements.\\n\\nCONFIDENTIAL CLIENT MEMORANDUM & CASE BRIEF\\nTo: [Attorney Name]\\nFrom: XXXX XXXXi & XXXX XXXX\\nSubject: Systemic Ledger Failure, FCBA Violations, and Withheld Funds by Wells Fargo N.A.\\nDate: XX/XX/XXXX\\n\\n1. Executive Summary\\nI am seeking legal representation to compel Wells Fargo Bank, N.A. to correct a catastrophic mathematical error on my Bilt World Elite Mastercard (Account ending in XXXX). On XXXX XXXX XXXX, I initiated a $XXXX payoff from my XXXX XXXX XXXX checking account. The funds successfully cleared the Federal Reserve. Wells Fargo failed to credit my ledger, subsequently \"double-counting\" my next billing cycle, resulting in an erroneous reported balance of $XXXX. Wells Fargo has repeatedly refused to conduct a reasonable investigation, refused to query their suspense accounts, and has stonewalled my CFPB complaints by classifying them as \"duplicates.\"\\n\\n2. Account Details\\n\\nCreditor: Wells Fargo Bank, N.A. (XXXX XXXX)\\n\\nAccount Number: Ending in XXXX\\n\\nFunding Bank: XXXX XXXX XXXX XXXX. (XXXX XXXX XXXX ending in XXXX)\\n\\nDisputed Amount: $XXXX (Missing principal) + cascading interest/fees.\\n\\n3. Timeline of the Accounting Failure\\n\\nXX/XX/XXXX: Wells Fargo statement generates with a verified, undisputed balance of $XXXX.\\n\\nXX/XX/XXXX: A Bill Pay payment of exactly $XXXX is initiated and successfully clears the XXXX XXXX XXXX checking account.\\n\\nXXXX XXXX XXXX: A new, authorized charge of $XXXX (XXXX XXXX) posts to the Wells Fargo account.\\n\\nXX/XX/XXXX: Wells Fargo generates a new statement with a mathematically impossible balance of $XXXX. The system added the new charge ($XXXX) to the old balance ($XXXX) and completely failed to deduct the $XXXX  payment that cleared on XX/XX/XXXX.\\n\\n4. Exhaustion of Administrative Remedies & Bank\\'s Breach\\nI have made every good-faith effort to resolve this directly with the institution, exhausting all standard administrative channels:\\n\\nI submitted official XX/XX/XXXX statements proving the funds successfully left my account.\\n\\nI formally escalated the issue to the Wells Fargo Executive Office via the CFPB.\\n\\nWells Fargo responded with automated, generic denials claiming the payment was \"uncredited\" or \"returned,\" directly contradicting external banking records.\\n\\nI submitted a formal demand for Wells Fargo to produce a backend General Ledger (GL) extract and to audit their unapplied funds/suspense accounts using the Federal Reserve ACH Trace IDs.\\n\\nWells Fargo responded by attempting to close the investigation as a \"duplicate\" inquiry, effectively refusing to look beyond their front-facing, flawed consumer interface.\\n\\n5. Causes of Action to Explore\\n\\nFair Credit Billing Act (FCBA) / Regulation Z: Failure to conduct a \"reasonable investigation\" of a documented billing error. Relying on a flawed internal screen when presented with conflicting Federal Reserve clearing data is inherently unreasonable.\\n\\nFair Credit Reporting Act (FCRA): Reporting an artificially inflated balance and/or delinquency to the credit bureaus when the bank is in possession of cleared funds.\\n\\nBreach of Contract: Failure to accurately apply remitted funds to the credit account principal as dictated by the cardholder agreement.\\n\\n6. Evidence Inventory Available for Review\\n\\nWells Fargo XX/XX/XXXX Statement: Establishes the $XXXX  baseline.\\n\\nWells Fargo XX/XX/XXXX Statement: Proves the double-counting math error ($XXXX).\\n\\nXXXX XXXX XXXX XX/XX/XXXX Statement: Proves the $XXXX funds cleared the sending institution.\\n\\nBilt App Ledger Receipt: Shows the XXXX interface recognized the payment, isolating the failure to Wells Fargo\\'s backend processing.\\n\\nCFPB Correspondence: Documenting Wells Fargo\\'s refusal to provide the requested GL trace.\\n\\n7. Desired Outcome\\nI am requesting that your firm issue a formal Demand Letter to Wells Fargo\\'s Office of the General Counsel to bypass their automated customer service loops. I require:\\n\\nImmediate location of the $XXXX  in their suspense accounts and retroactive application to my ledger.\\n\\nPermanent reversal of all cascading interest and late fees.\\n\\nElectronic, off-cycle correction of all credit bureau reporting.\\n\\nCompensation for legal fees, time, and statutory damages for failing to conduct a reasonable investigation.\\n\\nYou said\\nCraft a followup to the Cfpb against XXXX XXXX XXXX for non-response\\n\\nXXXX said\\nTo escalate this with the Consumer Financial Protection Bureau (CFPB) and ensure XXXX XXXX XXXX XXXX is held accountable for their non-response and the misinformation provided by their representatives, you should file a follow-up/supplemental comment to your existing complaint or start a new one if the first was closed.\\n\\nBelow is a draft that weaponizes the Electronic Fund Transfer Act (Regulation E) to force their hand.\\n\\nCFPB Follow-Up Complaint: XXXX XXXX XXXX\\nSubject: URGENT: Refusal to Provide Statutory Transaction Records (ACH Trace IDs) - Regulation E Violation\\n\\nTo the CFPB Investigator:\\n\\nI am filing this follow-up because XXXX XXXX XXXX has been non-responsive to my formal requests and is actively withholding critical transaction data needed to resolve a major financial dispute with a third-party institution (Wells Fargo).\\n\\n1. The Failure to Provide Documentation:\\nOn XX/XX/XXXXand XX/XX/XXXX, I sent formal written requests to XXXX XXXX XXXX XXXX XXXX and ACH departments requesting the 15-digit ACH Trace Numbers (IMAD/OMAD) for a series of cleared payments (totaling over $XXXX) made to Wells Fargo.\\n\\nDespite multiple follow-ups, XXXX XXXX XXXX has failed to provide these records. Furthermore, their live chat representatives provided demonstrably false information, stating that trace IDs are \"removed from the list\" once a dispute is filed. This is a blatant misrepresentation of banking record retention requirements.\\n\\n2. Regulatory Violation (Regulation E):\\nUnder 12 CFR  1005.11 (Regulation E), financial institutions are required to investigate alleged errors and provide the consumer with the documents they relied upon for their determination. By withholding the ACH Trace IDswhich are the only legal digital proof that funds were successfully delivered to the receiving institutionXXXX XXXX XXXX is obstructing my ability to locate missing funds and is in violation of its duty to provide accurate transaction records.\\n\\n3. Critical Transactions Withheld:\\nI require the 15-digit Federal Reserve Trace IDs for the following payments initiated from my account ending in XXXX:\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXXXX XXXX/Wells Fargo payments from XX/XX/XXXX toXX/XX/XXXX (detailed in the attached correspondence).\\n\\nRequested Resolution:\\nI demand that the CFPB compel XX/XX/XXXX Legal and Compliance Department to immediately produce an official ACH Trace Report containing the 15-digit IMAD/OMAD numbers and the confirmed destination routing/account details for every transaction listed in my attached request.\\n\\nHow to Submit This Effectively:\\nUpload the Proof: Attach the file you just shared with me (XXXX to the CFPB portal. This proves you have done your part in asking nicely.\\n\\nHighlight the XXXX Chat: If you have those screenshots of the agent saying records are \"removed,\" upload them too. This proves bad faith on XXXX\\'s part.\\n\\nCross-Reference: If you have an active case against Wells Fargo, include that case number in the text so the investigator sees the \"missing money\" connection.\\n\\nPro-Tip: The \"Executive\" Email Strike\\nWhile the CFPB works, send the exact text above to XXXX Executive Client Care team to light a fire under them:\\n\\nXXXX XXXX (XXXX XXXX XXXX XXXX): XXXX\\n\\nXXXX XXXX XXXX XXXX XXXX XXXX: XXXX\\n\\nWould you like me to draft a specific \"Demand for Records\" letter for you to mail via Certified Mail to their Corporate Center in Charlotte? This often gets a faster response than email because it triggers their internal legal \"litigation hold\" process.\\n\\nYou said\\nThe focus should be on their customer service and lack of prompt response and acknowledgement of customer\\'s request and emails.\\n\\nXXXX said\\nTo maximize pressure on XXXX XXXX XXXX XXXX), you should now transition from informal follow-ups to a formal Demand for Transaction Records. This draft is designed for Certified Mail (to create an indisputable legal record) and specifically targets the bank\\'s failure to provide required documentation under Regulation E.\\n\\nCertified Mail Demand Letter\\nTo:\\nXXXX XXXX XXXX, N.A.\\nXXXX XXXX XXXX XXXX XXXX, NC XXXX\\n\\nDate: XX/XX/XXXX\\nSent Via: Certified Mail - Return Receipt Requested\\nRe: Statutory Demand for Transaction Records  Account Ending in XXXX\\n\\nTo the Office of the General Counsel / Executive Client Care:\\n\\nThis is a formal demand for the immediate production of internal transaction records, specifically the 15-digit ACH Trace Numbers (IMAD/OMAD), for a series of payments initiated from my account ending in XXXX.\\n\\nTo date, your customer service departments have been non-responsive or have provided demonstrably false information. On [Insert Date], a representative incorrectly stated that these records are \"removed\" once a dispute is filed. This is a direct violation of federal record retention and error-resolution requirements under 12 CFR  1005.11 (Regulation E).'","date_sent_to_company":"2026-03-10T15:57:01.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"20130278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-10T15:53:08.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["<em>Filing</em> a dispute does not erase a transaction from the Federal Reserves network.\\n\\nI require this official trace report to be generated and provided to me in <em>writing</em> immediately. If XXXX XXXX XXXX continues to withhold this documentation, I will <em>file</em> a <em>formal</em> <em>complaint</em> with the Office of the Comptroller of the Currency (OCC) regarding the bank\\'s refusal to provide transaction records during an active federal dispute."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[7.869813,"20130278"]},{"_index":"complaint-public-v1","_id":"14128378","_score":7.0889645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint against Equifax for multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.\n\n1. Inaccurate Addresses ( FCRA 607 ( b ), 609 ( c ) ) Equifax has listed several addresses on my credit file that do not belong to me, and I have never resided at or been associated with them. These are outdated, incorrect, or possibly a result of file mismerge, and their presence creates confusion and undermines my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct Apt XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect PO Box XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Per FCRA 607 ( b ), Equifax is required to maintain maximum possible accuracy in the consumers credit file. Reporting addresses that are clearly incorrect violates this obligation and may indicate negligent data handling practices. \nXXXX. Account Issues Below are the accounts currently reporting inaccurately under Equifax, along with the specific concerns for each : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 611 Failure to reasonably investigate a dispute FCRA 607 ( b ) Failure to assure maximum possible accuracy Late payment is being reported inaccurately and without verifying full context or borrower history. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 607 ( b ) FCRA 609 ( a ) ( 1 ) Right to verify items accuracy with documentation No validation was provided, and reporting appears outdated or inaccurate. \nXXXX XXXXXXXX ( XXXX Accounts ) XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Opened XX/XX/XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Opened XX/XX/XXXX Issue : Late Payments Violation : FCRA 611 Duplicate account issue Reporting the same account with two separate dates and balances causes confusion and impacts my credit score unfairly.\n\nAlso a potential violation of FCRA 605 ( c ) regarding misleading or obsolete data. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide accurate data Given the age of this loan and my federal repayment status, this should not be reported as delinquent. \nXXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 604 Permissible Purpose I did not authorize this inquiry, nor did I initiate any transaction with XXXX This constitutes a violation of my right to privacy under federal law. \n3. Narrative & Harm Done Equifax 's failure to ensure accuracy and proper verification of information has resulted in : Credit denials and higher interest rates Stress and emotional distress Impairment of my ability to obtain housing and employment Despite my previous efforts to dispute these inaccuracies, Equifax has failed to conduct a meaningful reinvestigation, as required by FCRA 611 ( a ). The presence of outdated, incorrect, and duplicate data shows willful noncompliance with federal consumer protection laws.\n\n4. Relief Sought I respectfully request the Consumer Financial Protection Bureau to investigate Equifax for violations of the FCRA and take the following actions : Permanently remove all inaccurate addresses listed above Correct or remove the inaccurate late payments, duplicate XXXX XXXXXXXX account, and outdated XXXX data Delete the unauthorized inquiry from XXXX Provide written confirmation of all corrections Impose appropriate fines or sanctions for noncompliance 5. Supporting Law Citations FCRA 607 ( b ) : Duty of accuracy FCRA 611 ( a ) : Reinvestigation of disputed information FCRA 609 ( a ) ( 1 ) : Right to information on file FCRA 623 ( a ) ( 1 ) : Duty of data furnishers to report accurate data FCRA 604 : Permissible purposes for inquiries Thank you for your attention to this matter. I am requesting full resolution of these issues and a thorough investigation into Equifaxs practices. \n\nI am filing this formal complaint against multiple credit reporting agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. My credit reports are being negatively impacted due to inaccurate address reporting and erroneous account information, specifically false late payment entries and misreporting of account statuses. \nI have previously contacted the credit bureaus to dispute the following items, but they have failed to properly investigate and correct the errors. This complaint is being filed to demand proper investigation and resolution in accordance with 15 U.S. Code 1681i Procedure in case of disputed accuracy, and 15 U.S. Code 1681s-2 Responsibilities of furnishers of information.\n\n1. Inaccurate Addresses Being Reported ( Violation of FCRA 1681e ( b ) ) These addresses are not associated with me in any way. Their presence on my credit report is inaccurate, misleading, and damaging to my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct, XXXX, TX XXXX Incorrect The continued presence of these addresses violates FCRAs requirement that only accurate, verifiable, and complete information be maintained. \n2. Inaccurate Account Information and Late Payments ( Violations under FCRA 1681s-2 & 1681e ( b ) ) The following accounts have reported late payments inaccurately and without providing evidence of proper validation or notification under the law : a. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment reporting without proper validation Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), as the furnisher has provided incomplete or inaccurate data and failed to perform a reasonable investigation under FCRA 1681i. \nXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : False reporting of late payments, no evidence provided upon request Violation : Failure to meet standards of accuracy under FCRA 1681e ( b ) ; negligent reporting damaging my credit reputation. \nXXXX XXXX CARD Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Historical late payment entries that are outdated and unverified Violation : FCRA 1681c ( a ) for potentially outdated adverse information. \nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Repeated late payment reporting with no verification Violation : FCRA 1681s-2 ; failure to correct or delete inaccurate information after being disputed. \nXXXX XXXX XXXX ( First Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Late payment entry from several years ago that has been disputed but not removed Violation : FCRA 1681e ( b ) outdated and unverifiable late payment. \nXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Verified : {$3200.00} Date Opened : XX/XX/XXXX Issue : Multiple late payment entries with no resolution despite dispute Violation : Continued furnishing of disputed inaccurate information, in violation of FCRA 1681s-2 ( b ). \nXXXX XXXX XXXX ( Second Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Duplicate account appearing with similar information and additional late payment Violation : Duplicate reporting and unverified derogatory item violates 1681e ( b ) and 1681i. \nh. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Historical federal student loan account showing unresolved late payments Violation : Late payments possibly outside reporting window under 1681c ( a ) ; disputed but not corrected or validated.\n\nRelief Requested I am requesting that the CFPB direct the credit reporting agencies to : 1. Remove the inaccurate addresses listed above from all three major credit bureau files.\n\n2. Thoroughly investigate each of the above-mentioned accounts and require the data furnishers to provide full validation of the alleged late payments.\n\n3. Delete or correct all unverifiable, outdated, or inaccurate negative items in accordance with FCRA 1681i and 1681s-2.\n\n4. Provide written confirmation of all deletions, corrections, or changes made as a result of this complaint.\n\nConclusion These errors are significantly impacting my ability to obtain credit, employment, and housing. The inaction by the CRAs and furnishers to resolve my good-faith disputes shows gross negligence and a disregard for federal consumer protection laws.\n\nI respectfully request the CFPB to intervene and ensure these violations are corrected in full compliance with federal law.\n\nTo Whom It May Concern, I am filing this complaint against Experian for reporting inaccurate and harmful information on my credit file, including wrong addresses and multiple accounts with incorrect, outdated, or misleading payment history. These errors are severely impacting my credit profile and have resulted in denials of credit, emotional distress, and financial harm.\n\n1. Inaccurate Addresses Being Reported Experian is reporting the following addresses on my credit report, which are incorrect and should be removed immediately as I have never lived at or used these addresses : XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS These addresses are not associated with any verifiable residence or application I have made. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum possible accuracy of the information they report. Reporting false addresses is a clear violation of that requirement.\n\n2. Inaccurate or Misleading Account Reporting Below are the accounts being inaccurately reported by Experian. I am listing each with their issues and the applicable law violated XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting * * This mortgage account reflects inaccurate late payments that I dispute. I have documentation proving timely payment or forbearance arrangements that were never reflected. Violation : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnisher is reporting information with actual knowledge of errors. \nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Citi is reporting inaccurate payment history which is inconsistent across bureaus. This is creating a misleading impression of delinquency. Violation : FCRA 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed items with due diligence. \nXXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * This account is inaccurately showing missed payments without substantiating proof or notices. I was not notified of these discrepancies and was under a payment arrangement. Violation : FCRA 15 U.S.C. 1681s-2 ( b ) failure of furnisher to correct information after being notified of dispute. \nXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * The reporting of late payments is not substantiated and is damaging my score across all models. Violation : 15 U.S.C. 1681e ( b ) Experian is not ensuring maximum possible accuracy. \nXXXX XXXX ( x2 Accounts ) Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  o High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Issue : Late Payments This appears to be a duplicate account entry with inconsistent data. One account may have been sold or transferred but it is not being properly reflected, leading to confusion and inaccurate scoring. Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Experian must delete or correct duplicate or outdated information. \nXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Balance : {$3200.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * I dispute the late payments shown here as they are not supported by notice or documentation. Violation : 15 U.S.C. 1681s-2 ( b ) furnisher failed to investigate and correct reporting errors. \nXXXX / XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Late payments were reported during a forbearance or deferment period due to financial hardship. This is both misleading and inaccurate. Violation : CARES Act ( 15 U.S.C. 9051 et seq. ) & FCRA 1681c ( a ) protections were in place during pandemic-related hardship, which were not honored in reporting.\n\nLegal Basis for My Complaint Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate, complete, and verifiable information ( 15 U.S.C. 1681e ( b ), 1681i ).\n\nData furnishers, including lenders, must correct and update information after being notified of a dispute ( 15 U.S.C. 1681s-2 ( b ) ).\n\nDuplicate accounts, unverified late payments, and inaccurate addresses are clear violations of these provisions.\n\nRequested Resolution I respectfully request the CFPB to investigate Experian and ensure they : 1. Remove the incorrect addresses listed above.\n\n2. Conduct a proper reinvestigation of all disputed accounts.\n\n3. Delete or correct any inaccurate, unverifiable, or duplicate tradelines.\n\n4. Ensure all reporting complies with FCRA and CARES Act protections.\n\n5. Confirm removal/correction in writing to me within the statutory time frame.","date_sent_to_company":"2025-06-17T16:35:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"14128378","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-17T16:35:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am <em>filing</em> this <em>formal</em> <em>complaint</em> <em>against</em> Equifax for multiple serious violations of the Fair <em>Credit</em> Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.\n\n1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[7.0889645,"14128378"]},{"_index":"complaint-public-v1","_id":"14127921","_score":7.069813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint against Equifax for multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.\n\n1. Inaccurate Addresses ( FCRA 607 ( b ), 609 ( c ) ) Equifax has listed several addresses on my credit file that do not belong to me, and I have never resided at or been associated with them. These are outdated, incorrect, or possibly a result of file mismerge, and their presence creates confusion and undermines my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct Apt XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect PO Box XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Per FCRA 607 ( b ), Equifax is required to maintain maximum possible accuracy in the consumers credit file. Reporting addresses that are clearly incorrect violates this obligation and may indicate negligent data handling practices. \nXXXX. Account Issues Below are the accounts currently reporting inaccurately under Equifax, along with the specific concerns for each : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 611 Failure to reasonably investigate a dispute FCRA 607 ( b ) Failure to assure maximum possible accuracy Late payment is being reported inaccurately and without verifying full context or borrower history. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 607 ( b ) FCRA 609 ( a ) ( 1 ) Right to verify items accuracy with documentation No validation was provided, and reporting appears outdated or inaccurate. \nXXXX XXXXXXXX ( XXXX Accounts ) XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Opened XX/XX/XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Opened XX/XX/XXXX Issue : Late Payments Violation : FCRA 611 Duplicate account issue Reporting the same account with two separate dates and balances causes confusion and impacts my credit score unfairly.\n\nAlso a potential violation of FCRA 605 ( c ) regarding misleading or obsolete data. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide accurate data Given the age of this loan and my federal repayment status, this should not be reported as delinquent. \nXXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 604 Permissible Purpose I did not authorize this inquiry, nor did I initiate any transaction with XXXX This constitutes a violation of my right to privacy under federal law. \n3. Narrative & Harm Done Equifax 's failure to ensure accuracy and proper verification of information has resulted in : Credit denials and higher interest rates Stress and emotional distress Impairment of my ability to obtain housing and employment Despite my previous efforts to dispute these inaccuracies, Equifax has failed to conduct a meaningful reinvestigation, as required by FCRA 611 ( a ). The presence of outdated, incorrect, and duplicate data shows willful noncompliance with federal consumer protection laws.\n\n4. Relief Sought I respectfully request the Consumer Financial Protection Bureau to investigate Equifax for violations of the FCRA and take the following actions : Permanently remove all inaccurate addresses listed above Correct or remove the inaccurate late payments, duplicate XXXX XXXXXXXX account, and outdated XXXX data Delete the unauthorized inquiry from XXXX Provide written confirmation of all corrections Impose appropriate fines or sanctions for noncompliance 5. Supporting Law Citations FCRA 607 ( b ) : Duty of accuracy FCRA 611 ( a ) : Reinvestigation of disputed information FCRA 609 ( a ) ( 1 ) : Right to information on file FCRA 623 ( a ) ( 1 ) : Duty of data furnishers to report accurate data FCRA 604 : Permissible purposes for inquiries Thank you for your attention to this matter. I am requesting full resolution of these issues and a thorough investigation into Equifaxs practices. \n\nI am filing this formal complaint against multiple credit reporting agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. My credit reports are being negatively impacted due to inaccurate address reporting and erroneous account information, specifically false late payment entries and misreporting of account statuses. \nI have previously contacted the credit bureaus to dispute the following items, but they have failed to properly investigate and correct the errors. This complaint is being filed to demand proper investigation and resolution in accordance with 15 U.S. Code 1681i Procedure in case of disputed accuracy, and 15 U.S. Code 1681s-2 Responsibilities of furnishers of information.\n\n1. Inaccurate Addresses Being Reported ( Violation of FCRA 1681e ( b ) ) These addresses are not associated with me in any way. Their presence on my credit report is inaccurate, misleading, and damaging to my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct, XXXX, TX XXXX Incorrect The continued presence of these addresses violates FCRAs requirement that only accurate, verifiable, and complete information be maintained. \n2. Inaccurate Account Information and Late Payments ( Violations under FCRA 1681s-2 & 1681e ( b ) ) The following accounts have reported late payments inaccurately and without providing evidence of proper validation or notification under the law : a. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment reporting without proper validation Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), as the furnisher has provided incomplete or inaccurate data and failed to perform a reasonable investigation under FCRA 1681i. \nXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : False reporting of late payments, no evidence provided upon request Violation : Failure to meet standards of accuracy under FCRA 1681e ( b ) ; negligent reporting damaging my credit reputation. \nXXXX XXXX CARD Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Historical late payment entries that are outdated and unverified Violation : FCRA 1681c ( a ) for potentially outdated adverse information. \nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Repeated late payment reporting with no verification Violation : FCRA 1681s-2 ; failure to correct or delete inaccurate information after being disputed. \nXXXX XXXX XXXX ( First Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Late payment entry from several years ago that has been disputed but not removed Violation : FCRA 1681e ( b ) outdated and unverifiable late payment. \nXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Verified : {$3200.00} Date Opened : XX/XX/XXXX Issue : Multiple late payment entries with no resolution despite dispute Violation : Continued furnishing of disputed inaccurate information, in violation of FCRA 1681s-2 ( b ). \nXXXX XXXX XXXX ( Second Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Duplicate account appearing with similar information and additional late payment Violation : Duplicate reporting and unverified derogatory item violates 1681e ( b ) and 1681i. \nh. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Historical federal student loan account showing unresolved late payments Violation : Late payments possibly outside reporting window under 1681c ( a ) ; disputed but not corrected or validated.\n\nRelief Requested I am requesting that the CFPB direct the credit reporting agencies to : 1. Remove the inaccurate addresses listed above from all three major credit bureau files.\n\n2. Thoroughly investigate each of the above-mentioned accounts and require the data furnishers to provide full validation of the alleged late payments.\n\n3. Delete or correct all unverifiable, outdated, or inaccurate negative items in accordance with FCRA 1681i and 1681s-2.\n\n4. Provide written confirmation of all deletions, corrections, or changes made as a result of this complaint.\n\nConclusion These errors are significantly impacting my ability to obtain credit, employment, and housing. The inaction by the CRAs and furnishers to resolve my good-faith disputes shows gross negligence and a disregard for federal consumer protection laws.\n\nI respectfully request the CFPB to intervene and ensure these violations are corrected in full compliance with federal law.\n\nTo Whom It May Concern, I am filing this complaint against Experian for reporting inaccurate and harmful information on my credit file, including wrong addresses and multiple accounts with incorrect, outdated, or misleading payment history. These errors are severely impacting my credit profile and have resulted in denials of credit, emotional distress, and financial harm.\n\n1. Inaccurate Addresses Being Reported Experian is reporting the following addresses on my credit report, which are incorrect and should be removed immediately as I have never lived at or used these addresses : XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS These addresses are not associated with any verifiable residence or application I have made. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum possible accuracy of the information they report. Reporting false addresses is a clear violation of that requirement.\n\n2. Inaccurate or Misleading Account Reporting Below are the accounts being inaccurately reported by Experian. I am listing each with their issues and the applicable law violated XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting * * This mortgage account reflects inaccurate late payments that I dispute. I have documentation proving timely payment or forbearance arrangements that were never reflected. Violation : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnisher is reporting information with actual knowledge of errors. \nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Citi is reporting inaccurate payment history which is inconsistent across bureaus. This is creating a misleading impression of delinquency. Violation : FCRA 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed items with due diligence. \nXXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * This account is inaccurately showing missed payments without substantiating proof or notices. I was not notified of these discrepancies and was under a payment arrangement. Violation : FCRA 15 U.S.C. 1681s-2 ( b ) failure of furnisher to correct information after being notified of dispute. \nXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * The reporting of late payments is not substantiated and is damaging my score across all models. Violation : 15 U.S.C. 1681e ( b ) Experian is not ensuring maximum possible accuracy. \nXXXX XXXX ( x2 Accounts ) Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  o High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Issue : Late Payments This appears to be a duplicate account entry with inconsistent data. One account may have been sold or transferred but it is not being properly reflected, leading to confusion and inaccurate scoring. Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Experian must delete or correct duplicate or outdated information. \nXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Balance : {$3200.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * I dispute the late payments shown here as they are not supported by notice or documentation. Violation : 15 U.S.C. 1681s-2 ( b ) furnisher failed to investigate and correct reporting errors. \nXXXX / XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Late payments were reported during a forbearance or deferment period due to financial hardship. This is both misleading and inaccurate. Violation : CARES Act ( 15 U.S.C. 9051 et seq. ) & FCRA 1681c ( a ) protections were in place during pandemic-related hardship, which were not honored in reporting.\n\nLegal Basis for My Complaint Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate, complete, and verifiable information ( 15 U.S.C. 1681e ( b ), 1681i ).\n\nData furnishers, including lenders, must correct and update information after being notified of a dispute ( 15 U.S.C. 1681s-2 ( b ) ).\n\nDuplicate accounts, unverified late payments, and inaccurate addresses are clear violations of these provisions.\n\nRequested Resolution I respectfully request the CFPB to investigate Experian and ensure they : 1. Remove the incorrect addresses listed above.\n\n2. Conduct a proper reinvestigation of all disputed accounts.\n\n3. Delete or correct any inaccurate, unverifiable, or duplicate tradelines.\n\n4. Ensure all reporting complies with FCRA and CARES Act protections.\n\n5. Confirm removal/correction in writing to me within the statutory time frame.","date_sent_to_company":"2025-06-17T16:35:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"14127921","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-17T16:29:27.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am <em>filing</em> this <em>formal</em> <em>complaint</em> <em>against</em> Equifax for multiple serious violations of the Fair <em>Credit</em> Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.\n\n1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[7.069813,"14127921"]},{"_index":"complaint-public-v1","_id":"14128379","_score":7.06719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint against Equifax for multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.\n\n1. Inaccurate Addresses ( FCRA 607 ( b ), 609 ( c ) ) Equifax has listed several addresses on my credit file that do not belong to me, and I have never resided at or been associated with them. These are outdated, incorrect, or possibly a result of file mismerge, and their presence creates confusion and undermines my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct Apt XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect PO Box XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Per FCRA 607 ( b ), Equifax is required to maintain maximum possible accuracy in the consumers credit file. Reporting addresses that are clearly incorrect violates this obligation and may indicate negligent data handling practices. \nXXXX. Account Issues Below are the accounts currently reporting inaccurately under Equifax, along with the specific concerns for each : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 611 Failure to reasonably investigate a dispute FCRA 607 ( b ) Failure to assure maximum possible accuracy Late payment is being reported inaccurately and without verifying full context or borrower history. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 607 ( b ) FCRA 609 ( a ) ( 1 ) Right to verify items accuracy with documentation No validation was provided, and reporting appears outdated or inaccurate. \nXXXX XXXXXXXX ( XXXX Accounts ) XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Opened XX/XX/XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Opened XX/XX/XXXX Issue : Late Payments Violation : FCRA 611 Duplicate account issue Reporting the same account with two separate dates and balances causes confusion and impacts my credit score unfairly.\n\nAlso a potential violation of FCRA 605 ( c ) regarding misleading or obsolete data. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide accurate data Given the age of this loan and my federal repayment status, this should not be reported as delinquent. \nXXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 604 Permissible Purpose I did not authorize this inquiry, nor did I initiate any transaction with XXXX This constitutes a violation of my right to privacy under federal law. \n3. Narrative & Harm Done Equifax 's failure to ensure accuracy and proper verification of information has resulted in : Credit denials and higher interest rates Stress and emotional distress Impairment of my ability to obtain housing and employment Despite my previous efforts to dispute these inaccuracies, Equifax has failed to conduct a meaningful reinvestigation, as required by FCRA 611 ( a ). The presence of outdated, incorrect, and duplicate data shows willful noncompliance with federal consumer protection laws.\n\n4. Relief Sought I respectfully request the Consumer Financial Protection Bureau to investigate Equifax for violations of the FCRA and take the following actions : Permanently remove all inaccurate addresses listed above Correct or remove the inaccurate late payments, duplicate XXXX XXXXXXXX account, and outdated XXXX data Delete the unauthorized inquiry from XXXX Provide written confirmation of all corrections Impose appropriate fines or sanctions for noncompliance 5. Supporting Law Citations FCRA 607 ( b ) : Duty of accuracy FCRA 611 ( a ) : Reinvestigation of disputed information FCRA 609 ( a ) ( 1 ) : Right to information on file FCRA 623 ( a ) ( 1 ) : Duty of data furnishers to report accurate data FCRA 604 : Permissible purposes for inquiries Thank you for your attention to this matter. I am requesting full resolution of these issues and a thorough investigation into Equifaxs practices. \n\nI am filing this formal complaint against multiple credit reporting agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. My credit reports are being negatively impacted due to inaccurate address reporting and erroneous account information, specifically false late payment entries and misreporting of account statuses. \nI have previously contacted the credit bureaus to dispute the following items, but they have failed to properly investigate and correct the errors. This complaint is being filed to demand proper investigation and resolution in accordance with 15 U.S. Code 1681i Procedure in case of disputed accuracy, and 15 U.S. Code 1681s-2 Responsibilities of furnishers of information.\n\n1. Inaccurate Addresses Being Reported ( Violation of FCRA 1681e ( b ) ) These addresses are not associated with me in any way. Their presence on my credit report is inaccurate, misleading, and damaging to my credit profile : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX XXXX XXXX Ct, XXXX, TX XXXX Incorrect The continued presence of these addresses violates FCRAs requirement that only accurate, verifiable, and complete information be maintained. \n2. Inaccurate Account Information and Late Payments ( Violations under FCRA 1681s-2 & 1681e ( b ) ) The following accounts have reported late payments inaccurately and without providing evidence of proper validation or notification under the law : a. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment reporting without proper validation Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), as the furnisher has provided incomplete or inaccurate data and failed to perform a reasonable investigation under FCRA 1681i. \nXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : False reporting of late payments, no evidence provided upon request Violation : Failure to meet standards of accuracy under FCRA 1681e ( b ) ; negligent reporting damaging my credit reputation. \nXXXX XXXX CARD Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Historical late payment entries that are outdated and unverified Violation : FCRA 1681c ( a ) for potentially outdated adverse information. \nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Repeated late payment reporting with no verification Violation : FCRA 1681s-2 ; failure to correct or delete inaccurate information after being disputed. \nXXXX XXXX XXXX ( First Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Late payment entry from several years ago that has been disputed but not removed Violation : FCRA 1681e ( b ) outdated and unverifiable late payment. \nXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Verified : {$3200.00} Date Opened : XX/XX/XXXX Issue : Multiple late payment entries with no resolution despite dispute Violation : Continued furnishing of disputed inaccurate information, in violation of FCRA 1681s-2 ( b ). \nXXXX XXXX XXXX ( Second Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Duplicate account appearing with similar information and additional late payment Violation : Duplicate reporting and unverified derogatory item violates 1681e ( b ) and 1681i. \nh. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Historical federal student loan account showing unresolved late payments Violation : Late payments possibly outside reporting window under 1681c ( a ) ; disputed but not corrected or validated.\n\nRelief Requested I am requesting that the CFPB direct the credit reporting agencies to : 1. Remove the inaccurate addresses listed above from all three major credit bureau files.\n\n2. Thoroughly investigate each of the above-mentioned accounts and require the data furnishers to provide full validation of the alleged late payments.\n\n3. Delete or correct all unverifiable, outdated, or inaccurate negative items in accordance with FCRA 1681i and 1681s-2.\n\n4. Provide written confirmation of all deletions, corrections, or changes made as a result of this complaint.\n\nConclusion These errors are significantly impacting my ability to obtain credit, employment, and housing. The inaction by the CRAs and furnishers to resolve my good-faith disputes shows gross negligence and a disregard for federal consumer protection laws.\n\nI respectfully request the CFPB to intervene and ensure these violations are corrected in full compliance with federal law.\n\nTo Whom It May Concern, I am filing this complaint against Experian for reporting inaccurate and harmful information on my credit file, including wrong addresses and multiple accounts with incorrect, outdated, or misleading payment history. These errors are severely impacting my credit profile and have resulted in denials of credit, emotional distress, and financial harm.\n\n1. Inaccurate Addresses Being Reported Experian is reporting the following addresses on my credit report, which are incorrect and should be removed immediately as I have never lived at or used these addresses : XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS These addresses are not associated with any verifiable residence or application I have made. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure maximum possible accuracy of the information they report. Reporting false addresses is a clear violation of that requirement.\n\n2. Inaccurate or Misleading Account Reporting Below are the accounts being inaccurately reported by Experian. I am listing each with their issues and the applicable law violated XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting * * This mortgage account reflects inaccurate late payments that I dispute. I have documentation proving timely payment or forbearance arrangements that were never reflected. Violation : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnisher is reporting information with actual knowledge of errors. \nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Citi is reporting inaccurate payment history which is inconsistent across bureaus. This is creating a misleading impression of delinquency. Violation : FCRA 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed items with due diligence. \nXXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * This account is inaccurately showing missed payments without substantiating proof or notices. I was not notified of these discrepancies and was under a payment arrangement. Violation : FCRA 15 U.S.C. 1681s-2 ( b ) failure of furnisher to correct information after being notified of dispute. \nXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * The reporting of late payments is not substantiated and is damaging my score across all models. Violation : 15 U.S.C. 1681e ( b ) Experian is not ensuring maximum possible accuracy. \nXXXX XXXX ( x2 Accounts ) Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  o High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} o Date Opened : XX/XX/XXXX Issue : Late Payments This appears to be a duplicate account entry with inconsistent data. One account may have been sold or transferred but it is not being properly reflected, leading to confusion and inaccurate scoring. Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Experian must delete or correct duplicate or outdated information. \nXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Balance : {$3200.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * I dispute the late payments shown here as they are not supported by notice or documentation. Violation : 15 U.S.C. 1681s-2 ( b ) furnisher failed to investigate and correct reporting errors. \nXXXX / XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payments * * Late payments were reported during a forbearance or deferment period due to financial hardship. This is both misleading and inaccurate. Violation : CARES Act ( 15 U.S.C. 9051 et seq. ) & FCRA 1681c ( a ) protections were in place during pandemic-related hardship, which were not honored in reporting.\n\nLegal Basis for My Complaint Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate, complete, and verifiable information ( 15 U.S.C. 1681e ( b ), 1681i ).\n\nData furnishers, including lenders, must correct and update information after being notified of a dispute ( 15 U.S.C. 1681s-2 ( b ) ).\n\nDuplicate accounts, unverified late payments, and inaccurate addresses are clear violations of these provisions.\n\nRequested Resolution I respectfully request the CFPB to investigate Experian and ensure they : 1. Remove the incorrect addresses listed above.\n\n2. Conduct a proper reinvestigation of all disputed accounts.\n\n3. Delete or correct any inaccurate, unverifiable, or duplicate tradelines.\n\n4. Ensure all reporting complies with FCRA and CARES Act protections.\n\n5. Confirm removal/correction in writing to me within the statutory time frame.","date_sent_to_company":"2025-06-17T16:35:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"14128379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-17T16:35:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am <em>filing</em> this <em>formal</em> <em>complaint</em> <em>against</em> Equifax for multiple serious violations of the Fair <em>Credit</em> Reporting Act ( FCRA ), including the continued reporting of inaccurate personal information, false or outdated account data, and unauthorized inquiries, despite my previous attempts to have these errors corrected.\n\n1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[7.06719,"14128379"]},{"_index":"complaint-public-v1","_id":"14867835","_score":6.7297244,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Supplemental Challenge CFPB Complaint Equifaxs XX/XX/XXXX # XXXX ( XX/XX/XXXX ) Investigation Failure and Ongoing Reporting of an Illegally Charged-Off Account Dispute Report References : # XXXX ( XX/XX/XXXX ) # XXXX ( XX/XX/XXXX ) ( CFPB # XXXX ) XX/XX/XXXX ( CFPB # XXXX ) XX/XX/XXXX ( Pending ) This is a formal supplemental complaint against Equifax regarding their mailed dispute response dated XX/XX/XXXX, concerning the XXXX XXXX XXXX. This filing also references a pending CFPB dispute submitted XX/XX/XXXX. \n\nEquifaxs XX/XX/XXXX response is unacceptable, factually inaccurate, and reflects a complete failure to conduct a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). \n\nThe mailed notice claims : We have verified that this item belongs to you. Additional information has been provided from the original source. \n\nAnd that : The following fields have been modified : additional information, high credit, date of major delinquency, 1st reported, historical account information, account history. \n\nHowever, the account history reflected in this XX/XX/XXXX report is identical to Equifaxs previous results from XX/XX/XXXX and XX/XX/XXXX, under dispute reports # XXXX and # XXXX. No actual modifications or data corrections have occurred meaning the XX/XX/XXXX report is a false representation of reinvestigation results. \n\nEquifax Failed to Investigate Ignored Key Evidence and Relied Entirely on the Furnisher Equifaxs XX/XX/XXXX mailed dispute results ( Report # XXXX ) appear to be a formal confirmation of the same findings Equifax issued in its XX/XX/XXXX CFPB response to my XX/XX/XXXX dispute. Both responses claim that the account has been verified and updated based on information received from the furnisher. \n\nHowever, this account was not updated in any factual way. \n\nIn fact : The account history remains identical to the results issued on XX/XX/XXXX and XX/XX/XXXX ( Reports # XXXX and # XXXX ) No changes were made to the core issue in dispute the false charge-off status and notations and the fabricated {$2500.00} balance. \nEquifax relied on the alleged furnisher, XXXX XXXX, despite their own documentation being internally contradictory, mathematically impossible, and legally invalid. \n\nMost concerning is that Equifax has already been notified and has access to the actual promissory note and full bank payment history, which were submitted as part of my XX/XX/XXXX CFPB complaint ( still under investigation ). \n\nThose documents prove : The loan required only 18 biweekly payments not 21 ; I made over 20 verified payments totaling more than {$3100.00}, which exceeded the original loan obligation of {$2700.00} ; XXXX XXXX  has admitted to multiple third-party transfers, meaning they can not lawfully validate or furnish this data without providing full documentation of re-assignment or re-purchase which has never been done. \n\nDespite this overwhelming evidence, Equifax has made no effort to correct or even acknowledge these facts in either the XX/XX/XXXX mailed response or the XX/XX/XXXX CFPB update. \n\nEquifaxs claim that additional information was provided by the original source has no foundation or supported evidence, particularly when : No actual updates occurred to the tradeline, None of the consumer submitted documentation was reviewed or addressed, and The data being verified is false based on the actual terms of the loan agreement, verified payment history, and the timeline of events. \n\nEven more troubling who exactly is Equifax identifying as the original source? Because XXXX XXXX  and XXXX have both confirmed in writing that this account was sent to multiple third-party collection agencies. And while XXXX XXXX  and XXXX have avoided explicitly stating they relinquished their rights, basic credit reporting standards which Equifax is well aware of makes this fact clear : When an account is placed with a third-party collection agency, the original creditor can no longer legally validate, verify, or furnish data on that debt unless they have properly reassigned the account and can produce documentation of that transfer. \n\nEquifax has not received and has not reviewed any such documentation showing that XXXX or XXXX currently have legal standing authority to furnish or validate this account. Yet Equifax continues to treat their data as valid without evidence, which constitutes willful negligence under the FCRA. \n\nEquifaxs Own Credit Reporting Contradicts the Charge-Off and Confirms a Failure to Investigate Equifaxs own data shows that this account was never late during the life of the loan. \n\nSpecifically : The loan term is listed as 9 months, Payments are shown from XX/XX/XXXX through XX/XX/XXXX totaling 10 months of consistent, on-time payments, No delinquencies or missed payments are reflected during this time. \n\nThis directly contradicts the claim that the account became delinquent and was legally charged off in XX/XX/XXXX. If the loan ended in XX/XX/XXXX ( based on the end date in the Promissory note ) all payments were made on time as confirmed by Equifaxs reporting there is no lawful or logical basis for the charge-off. \n\nInstead of recognizing this contradiction and correcting the tradeline, Equifax repeated XXXX version of events without question, even though their own records refute it. This failure to reconcile internal data with furnisher claims is a clear violation of FCRA 607 ( b ) and 611 ( a ), which require maximum possible accuracy and a meaningful reinvestigation. \n\n\nXXXX  and XXXX  Have Admitted to Multiple Ownership Transfers Equifax Ignores This In the letters I submitted with my CFPB complaints, XXXX and XXXX  both admit the account was sent to third-party collectors on multiple occasions. This means : They relinquished their right to report the tradeline, Yet Equifax continues to list XXXX XXXX as the active creditor, With no notation of any third-party collection placement from XXXX through XXXX a blatant omission that violates FCRA 623 and 607 ( b ). \n\nEven if the account was allegedly returned to XXXX, they are legally required to provide chain of title documentation proving : The transfer ( s ) out, The transfer ( s ) back in, and A current, lawful right to furnish data.\n\nEquifax has no record of these transfers and never received or verified such documentation meaning the account is unverifiable.\n\nA Charged-Off Account Can not Also Be Outstanding and In Collections In a recorded call on XX/XX/XXXX, an XXXX corporate representative stated the account is : Currently in collections with TrueAccord and still has an outstanding balance. \n\nEquifaxs credit report lists the account as : Charged Off, Past Due, Still owed to XXXX XXXX, And not associated with any collection agency. \n\nThis is a FCRA violation. An account can not legally be : Charged off, In active collection, Reported with a balance by the original creditor, all at the same time, with no collection agency listed. \n\nEquifax is knowingly reporting contradictory and deceptive information, and it is harming my creditworthiness. \n\nThe Charge-Off Is False, Unsupported, and Violates Federal Law Beyond the internal contradictions in Equifaxs reporting , the entire charge-off is legally invalid based on documentation Ive already submitted including : The promissory note, which confirms the loan required 18 biweekly payments, My bank statements, which prove I made 20+ payments totaling over {$3100.00}, exceeding the scheduled repayment of {$2700.00}, And FinWises own letters, which fail to explain how a fully paid loan was ever charged off.\n\nEven XXXX claim that I made 14 of 21 payments is false and unsupported not only because the loan was never structured for 21 payments, but also because even 14 payments would total over {$2100.00}, making a {$2500.00} charge-off balance mathematically impossible.\n\nThere is no valid charge-off amount, no missed payment on record, and no delinquency reported during the life of the loan. Therefore, Equifaxs continued reporting of a {$2500.00} charge-off balance is not just inaccurate it is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX reporting standards, and has caused me long-term financial harm.\n\nIntent to Sue and Demand for Deletion and Damages Equifax has now had : Multiple disputes filed over a five-year period Access to detailed documentation, including the original promissory note and consumer financial payment history Letters from XXXX XXXX and XXXX admitting the account was transferred to third-party collectors Internal credit reporting data that clearly contradicts the charge-off status and alleged delinquency Despite all this, Equifax has refused to correct or delete the account, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). These violations have caused serious damage to my creditworthiness, limited my access to financing, and created emotional and financial hardship.\n\nI am preparing to pursue legal action under FCRA 616 and 617, which allow recovery of statutory, actual, and punitive damages, as well as attorneys fees.\n\nBelow is a breakdown of the violations, responsible parties, and the monetary value of damages I intend to pursue if this account is not permanently deleted.\n\nFCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy Violator ( s ) : Equifax Violation : Equifax continued to report a {$2500.00} charge-off balance despite : Its own records showing 10 months of on-time payments, A loan term of 9 months, and No reported delinquency prior to charge-off.\n\nStatutory damages ( up to {$1000.00} per violation ) : {$1000.00} Actual harm : Denial of credit and suppressed FICO score Claimed amount : {$5000.00} in actual and statutory damages FCRA 611 ( a ) Failure to Reinvestigate Consumer Disputes Violator ( s ) : Equifax Violation : Equifax relied solely on the furnishers unverifiable narrative, ignored consumer submitted evidence, and issued repeated verified results without addressing : My bank statements proving full payment, The promissory note showing only 18 required payments, The internal contradiction between Equifaxs reporting and the charge-off claim.\n\nStatutory damages ( up to {$1000.00} per dispute cycle ) : {$2000.00} Actual harm : Ongoing credit damage from XXXX Claimed amount : {$10000.00} in total damages FCRA 611 ( a ) ( 5 ) Failure to Delete Unverifiable Information Violator ( s ) : Equifax Violation : FinWise and OppLoans admitted the account was placed with multiple third-party collectors. Equifax has no documentation verifying any legal reassignment, yet continues to report the account under XXXX XXXX. \n\nEvidence : XXXX  letters ( XX/XX/XXXX & XX/XX/XXXX ) XXXX  corporate recorded phone call ( XX/XX/XXXX ) confirming current placement with XXXX  Absence of chain-of-title documentation provided to Equifax Statutory damages ( up to {$1000.00} ) : {$1000.00} Punitive damages for willful noncompliance : $ XXXX FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Information Known to Be Inaccurate Violator ( s ) : XXXX XXXX, XXXX Violation XXXX Reported that I made 14 of 21 payments directly refuted by the loan agreement and bank records Supplied a fabricated charge-off balance of {$2500.00}, despite verified overpayment Failed to report third-party collection transfers, violating data integrity and transparency Statutory damages ( up to {$1000.00} per furnisher violation ) : {$2000.00} Claimed actual harm : Damaged credit score, financing rejections, inflated interest rates Claimed amount : {$8000.00} in statutory, actual, and punitive damages Total Claim ( If Litigation Is Pursued ) : FCRA statutory damages : {$6000.00} Actual economic harm ( credit denials, interest rate increases ) : {$10000.00} Punitive damages for willful violations and negligent reinvestigations : {$15000.00} Attorneys fees and legal costs : XXXX  Total claim : $ XXXX Equifax has had multiple chances to investigate this account properly and lawfully correct or delete it. If this reporting is not removed, I will take further legal action and seek statutory, actual, and punitive damages as outlined. This complaint will be forwarded to the Federal Deposit Insurance Corporation ( FDIC ) the Federal Trade Commission ( FTC ) and my State Attorney General for additional review and investigation. \n\nSupplemental CFPB Complaint Equifaxs XX/XX/XXXX # XXXX ( XX/XX/XXXX ) Investigation Failure and Ongoing Reporting of an Illegally Charged-Off Account Dispute Report References : # XXXX ( XX/XX/XXXX ) # XXXX ( XX/XX/XXXX ) ( CFPB # XXXX ) XX/XX/XXXX ( CFPB # XXXX ) XX/XX/XXXX ( Pending ) This is a formal supplemental complaint against Equifax regarding their mailed dispute response dated XX/XX/XXXX, concerning the FinWise Bank/OppLoans tradeline. This filing also references a pending CFPB dispute submitted XX/XX/XXXX. \n\nEquifaxs XX/XX/XXXX response is unacceptable, factually inaccurate, and reflects a complete failure to conduct a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). \n\nThe mailed notice claims : We have verified that this item belongs to you. Additional information has been provided from the original source. \n\nAnd that : The following fields have been modified : additional information, high credit, date of major delinquency, 1st reported, historical account information, account history. \n\nHowever, the account history reflected in this XX/XX/XXXX report is identical to Equifaxs previous results from XX/XX/XXXX and XX/XX/XXXX, under dispute reports # XXXX and # XXXX. No actual modifications or data corrections have occurred meaning the XX/XX/XXXX report is a false representation of reinvestigation results. \n\nEquifax Failed to Investigate Ignored Key Evidence and Relied Entirely on the Furnisher Equifaxs XX/XX/XXXX mailed dispute results ( Report # XXXX ) appear to be a formal confirmation of the same findings Equifax issued in its XX/XX/XXXX CFPB response to my XX/XX/XXXX dispute. Both responses claim that the account has been verified and updated based on information received from the furnisher. \n\nHowever, this account was not updated in any factual way. \n\nIn fact : The account history remains identical to the results issued on XX/XX/XXXX and XX/XX/XXXX ( Reports # XXXX and # XXXX ) No changes were made to the core issue in dispute the false charge-off status and notations and the fabricated {$2500.00} balance. \nEquifax relied on the alleged furnisher, XXXX XXXX, despite their own documentation being internally contradictory, mathematically impossible, and legally invalid. \n\nMost concerning is that Equifax has already been notified and has access to the actual promissory note and full bank payment history, which were submitted as part of my XX/XX/XXXX CFPB complaint ( still under investigation ). \n\nThose documents prove : The loan required only 18 biweekly payments not 21 ; I made over 20 verified payments totaling more than {$3100.00}, which exceeded the original loan obligation of {$2700.00} ; XXXX XXXX has admitted to multiple third-party transfers, meaning they can not lawfully validate or furnish this data without providing full documentation of re-assignment or re-purchase which has never been done. \n\nDespite this overwhelming evidence, Equifax has made no effort to correct or even acknowledge these facts in either the XX/XX/XXXX mailed response or the XX/XX/XXXX CFPB update. \n\nEquifaxs claim that additional information was provided by the original source has no foundation or supported evidence, particularly when : No actual updates occurred to the tradeline, None of the consumer submitted documentation was reviewed or addressed, and The data being verified is false based on the actual terms of the loan agreement, verified payment history, and the timeline of events. \n\nEven more troubling who exactly is Equifax identifying as the original source? Because XXXX XXXX  and XXXX have both confirmed in writing that this account was sent to multiple third-party collection agencies. And while XXXX XXXX  and XXXX have avoided explicitly stating they relinquished their rights, basic credit reporting standards which Equifax is well aware of makes this fact clear : When an account is placed with a third-party collection agency, the original creditor can no longer legally validate, verify, or furnish data on that debt unless they have properly reassigned the account and can produce documentation of that transfer. \n\nEquifax has not received and has not reviewed any such documentation showing that XXXX or XXXX currently have legal standing authority to furnish or validate this account. Yet Equifax continues to treat their data as valid without evidence, which constitutes willful negligence under the FCRA. \n\nEquifaxs Own Credit Reporting Contradicts the Charge-Off and Confirms a Failure to Investigate Equifaxs own data shows that this account was never late during the life of the loan. \n\nSpecifically : The loan term is listed as 9 months, Payments are shown from XX/XX/XXXX through XX/XX/XXXX totaling 10 months of consistent, on-time payments, No delinquencies or missed payments are reflected during this time. \n\nThis directly contradicts the claim that the account became delinquent and was legally charged off in XX/XX/XXXX. If the loan ended in XX/XX/XXXX ( based on the end date in the Promissory note ) all payments were made on time as confirmed by Equifaxs reporting there is no lawful or logical basis for the charge-off. \n\nInstead of recognizing this contradiction and correcting the tradeline, Equifax repeated XXXX version of events without question, even though their own records refute it. This failure to reconcile internal data with furnisher claims is a clear violation of FCRA 607 ( b ) and 611 ( a ), which require maximum possible accuracy and a meaningful reinvestigation. \n\n\nXXXX  and XXXX Have Admitted to Multiple Ownership Transfers Equifax Ignores This In the letters I submitted with my CFPB complaints, XXXX and XXXX  both admit the account was sent to third-party collectors on multiple occasions. This means : They relinquished their right to report the tradeline, Yet Equifax continues to list XXXX XXXX  as the active creditor, With no notation of any third-party collection placement from XXXX through XXXX a blatant omission that violates FCRA 623 and 607 ( b ).\n\nEven if the account was allegedly returned to XXXX, they are legally required to provide chain of title documentation proving : The transfer ( s ) out, The transfer ( s ) back in, and A current, lawful right to furnish data. \n\nEquifax has no record of these transfers and never received or verified such documentation meaning the account is unverifiable. \n\nA Charged-Off Account Can not Also Be Outstanding and In Collections In a recorded call on XX/XX/XXXX, an XXXX corporate representative stated the account is : Currently in collections with XXXX  and still has an outstanding balance. \n\nEquifaxs credit report lists the account as : Charged Off, Past Due, Still owed to XXXX XXXX, And not associated with any collection agency. \n\nThis is a FCRA violation. An account can not legally be : Charged off, In active collection, Reported with a balance by the original creditor, all at the same time, with no collection agency listed. \n\nEquifax is knowingly reporting contradictory and deceptive information, and it is harming my creditworthiness. \n\nThe Charge-Off Is False, Unsupported, and Violates Federal Law Beyond the internal contradictions in Equifaxs reporting , the entire charge-off is legally invalid based on documentation Ive already submitted including : The promissory note, which confirms the loan required 18 biweekly payments, My bank statements, which prove I made 20+ payments totaling over {$3100.00}, exceeding the scheduled repayment of {$2700.00}, And XXXX  own letters, which fail to explain how a fully paid loan was ever charged off. \n\nEven XXXX  claim that I made 14 of 21 payments is false and unsupported not only because the loan was never structured for 21 payments, but also because even 14 payments would total over {$2100.00}, making a {$2500.00} charge-off balance mathematically impossible.\n\nThere is no valid charge-off amount, no missed payment on record, and no delinquency reported during the life of the loan. Therefore, Equifaxs continued reporting of a {$2500.00} charge-off balance is not just inaccurate it is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX reporting standards, and has caused me long-term financial harm. \n\nIntent to Sue and Demand for Deletion and Damages Equifax has now had : Multiple disputes filed over a five-year period Access to detailed documentation, including the original promissory note and consumer financial payment history Letters from XXXX XXXX  and XXXX admitting the account was transferred to third-party collectors Internal credit reporting data that clearly contradicts the charge-off status and alleged delinquency Despite all this, Equifax has refused to correct or delete the account, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). These violations have caused serious damage to my creditworthiness, limited my access to financing, and created emotional and financial hardship.\n\nI am preparing to pursue legal action under FCRA 616 and 617, which allow recovery of statutory, actual, and punitive damages, as well as attorneys fees.\n\nBelow is a breakdown of the violations, responsible parties, and the monetary value of damages I intend to pursue if this account is not permanently deleted.\n\nFCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy Violator ( s ) : Equifax Violation : Equifax continued to report a {$2500.00} charge-off balance despite : Its own records showing 10 months of on-time payments, A loan term of 9 months, and No reported delinquency prior to charge-off.\n\nStatutory damages ( up to {$1000.00} per violation ) : {$1000.00} Actual harm : Denial of credit and suppressed XXXX score Claimed amount : {$5000.00} in actual and statutory damages FCRA 611 ( a ) Failure to Reinvestigate Consumer Disputes Violator ( s ) : Equifax Violation : Equifax relied solely on the furnishers unverifiable narrative, ignored consumer submitted evidence, and issued repeated verified results without addressing : My bank statements proving full payment, The promissory note showing only 18 required payments, The internal contradiction between Equifaxs reporting and the charge-off claim.\n\nStatutory damages ( up to {$1000.00} per dispute cycle ) : {$2000.00} Actual harm : Ongoing credit damage from XXXX Claimed amount : {$10000.00} in total damages FCRA 611 ( a ) ( 5 ) Failure to Delete Unverifiable Information Violator ( s ) : Equifax Violation : FinWise and OppLoans admitted the account was placed with multiple third-party collectors. Equifax has no documentation verifying any legal reassignment, yet continues to report the account under XXXX XXXX. \n\nEvidence : XXXX  letters ( XX/XX/XXXX & XX/XX/XXXX ) XXXX  corporate recorded phone call ( XX/XX/XXXX ) confirming current placement with XXXX  Absence of chain-of-title documentation provided to Equifax Statutory damages ( XXXX XXXX {$1000.00} ) : {$1000.00} Punitive damages for willful noncompliance : $ XXXX FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Information Known to Be Inaccurate Violator ( s ) : XXXX XXXX XXXX  Violation XXXX Reported that I made 14 of 21 payments directly refuted by the loan agreement and bank records Supplied a fabricated charge-off balance of {$2500.00}, despite verified overpayment Failed to report third-party collection transfers, violating data integrity and transparency Statutory damages ( up to {$1000.00} per furnisher violation ) : {$2000.00} Claimed actual harm : Damaged credit score, financing rejections, inflated interest rates Claimed amount : {$8000.00} in statutory, actual, and punitive damages Total Claim ( If Litigation Is Pursued ) : FCRA statutory damages : {$6000.00} Actual economic harm ( credit denials, interest rate increases ) : {$10000.00} Punitive damages for willful violations and negligent reinvestigations : {$15000.00} Attorneys fees and legal costs : TBD Total claim : $ XXXX Equifax has had multiple chances to investigate this account properly and lawfully correct or delete it. If this reporting is not removed, I will take further legal action and seek statutory, actual, and punitive damages as outlined. This complaint will be forwarded to the Federal Deposit Insurance Corporation ( FDIC ) the Federal Trade Commission ( FTC ) and my State Attorney General for additional review and investigation.\n\nI demand that Equifax permanently delete this account from my credit report, as required under FCRA 611 ( a ) ( 5 ) and XXXX XXXX compliance standards.","date_sent_to_company":"2025-07-24T03:40:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"14867835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-24T03:28:43.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Supplemental Challenge CFPB <em>Complaint</em> Equifaxs XX/XX/XXXX # XXXX ( XX/XX/XXXX ) Investigation Failure and Ongoing Reporting of an Illegally Charged-Off Account Dispute Report References : # XXXX ( XX/XX/XXXX ) # XXXX ( XX/XX/XXXX ) ( CFPB # XXXX ) XX/XX/XXXX ( CFPB # XXXX ) XX/XX/XXXX ( Pending ) This is a <em>formal</em> supplemental <em>complaint</em> <em>against</em> Equifax regarding their mailed dispute response dated XX/XX/XXXX, concerning the XXXX XXXX XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[6.7297244,"14867835"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":3},{"key":"MI","doc_count":1},{"key":"NJ","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":4}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}